Umanens

What Umanens does

Umanens is a Union de Groupe Mutualiste (UGM) governed by Book I of the French Code de la Mutualité, founded in March 2014 by three member mutuelles (Identités Mutuelle, La Mutuelle Familiale, and Groupe Entis Mutuelles, now Mutualia). The organization provides mandatory complementary health insurance (complémentaire santé collective obligatoire) and prévoyance coverage to employees across French professional branches, operating under ACPR supervision within the Économie Sociale et Solidaire. Coverage is delivered through branch-specific agreements obtained via official recommendations (labellisation) and référencements from social partners in sectors including Animation ECLAT (IDCC 1518), Sport (IDCC 2511), Tourisme Social et Familial (IDCC 1316), Assainissement et Maintenance Industrielle (IDCC 2272), Horlogerie Bijouterie (IDCC 1487), and Caoutchouc (IDCC 45).

Name

Umanens

Legal name

Umanens - Union de Groupe Mutualiste

Website

https://umanens.fr

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Umanens is a French mutualist insurance union providing mandatory complementary health and prévoyance coverage to employees across seven labelled professional branches, serving 1 million+ protected persons through 217 agencies, 120 advisors, and a digital subscription platform.

Ownership category

akta.pro rank

Product category

Collective Health Insurance (Mutual Insurance)

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industry

Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)

Keywords

• Mutual health insurance
• Collective health coverage
• Provident insurance products
• Employee benefits administration
• Complementary health insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Collective Health Insurance Premiums: Umanens generates revenue through employer and employee contributions for mandatory complementary health insurance coverage. Contributions are calculated as a percentage of the monthly Social Security ceiling (PMSS) or in euros, based on selected guarantee levels.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Umanens is a Union de Groupe Mutualiste that designs, distributes and manages mandatory complementary health insurance (Complémentaire Santé) and provident (Prévoyance) coverage for employees working in specific French professional branches covered by negotiated collective agreements (Animation ECLAT, Tourisme Social et Familial, Sport, Assainissement et Maintenance Industrielle, Horlogerie Bijouterie, Caoutchouc, Private Education). The company sells these collective contracts to employers and employees through a 100% digital subscription and employee management platform combined with a physical network of 217+ agencies and 120 employee advisors across metropolitan France, and earns recurring premium income (cotisations) from employer and employee contributions.

Product overview

Umanens is a Union of Mutual Insurance Groups (UGM) providing mandatory complementary health insurance and prévoyance (life/disability) coverage for employees across multiple French professional branches. The offering consists of branch-specific Complémentaire Santé insurance products (for Animation ECLAT, Tourism Social et Familial, Sport, Assainissement, Horlogerie Bijouterie, and Caoutchouc sectors) plus a Surcomplémentaire Santé add-on. Umanens operates a dual model combining 100% digital subscription and management tools (Espace Entreprise and Espace Salarié portals) with a physical network of over 217 agencies and 120+ employee advisors. The structure is built around member mutuals La Mutuelle Familiale (217,000+ beneficiaries) and Groupe Mutualia (500,000+ beneficiaries), with Identités Mutuelle also serving as a founding member. Prévoyance products for certain branches are delivered through AG2RLAMONDIALE partnerships.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 1 million+ people protected by Umanens health coverage
• +2 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

13 partnerships are on record, tiered minor and core.

• KidizzminorGTM or Marketing Partner · 22 September 2023Partnership with Kidizz to offer digitalization tools for Animation sector companies. Umanens members receive a €150 discount on their subscription. This partnership helps Animation professionals facilitate communication with parents.
• SportEasyminorGTM or Marketing Partner · 5 September 2023Partnership with SportEasy, a sports management application, offering 20% discount to Umanens members in the Sports sector. The app helps sports professionals optimize club organization.
• AG2RLAMONDIALEcoreStrategic or Co-development PartnerRecommended partner for Prévoyance (provident insurance) offerings for Animation ECLAT and Tourisme Social et Familial branches. AG2RLAMONDIALE provides the collective provident coverage while Umanens provides health coverage.
• La Mutuelle FamilialecoreOthersOne of three founding member mutuelles. With 217,000+ beneficiaries, La Mutuelle Familiale manages contracts and delegates administration. Covers specific French departments.
• Identités MutuellecoreOthersOne of three founding member mutuelles. Covers specific French departments including Bouches-du-Rhône, Nord, and others.
• Mutualia (Groupe Mutualia)coreOthersOne of three founding member mutuelles, covering nearly 500,000 beneficiaries. Includes Mutualia Grand Ouest, Mutualia Alliance Santé, and Mutualia Territoires Solidaires.
• CNEA (Conseil National des Employeurs d'Avenir)coreStrategic or Co-development PartnerKey social partner for the Animation and Sports sectors. CNEA supports Les Défis Umanens initiative and promotes innovative projects from member structures.
• UBH (Union de la Bijouterie-Horlogerie)coreStrategic or Co-development PartnerNational professional organization representing jewelry and watchmaking retailers (3,000 stores, €1.83B revenue, 11,100 employees). Partnered with Les Défis Umanens for workplace safety and accessibility projects.
• Climat Media AgencyminorGTM or Marketing PartnerIndependent media agency supporting Les Défis Umanens. Won 'Agency of the Year 2015' and 'Media Content Award 2016'.
• ComquestminorGTM or Marketing PartnerSports marketing communications agency partnering with Les Défis Umanens. Works with major federations, clubs, and sports organizations.
• Journal de l'AnimationminorGTM or Marketing PartnerReference monthly publication for socio-cultural animation professionals. Partner supporting Les Défis Umanens.
• Graph 2000minorGTM or Marketing PartnerPrinting partner with environmental certifications (Imprim'vert, PEFC, FSC). Supports Les Défis Umanens.
• OLPANminorGTM or Marketing PartnerAgency founded in 1997, creates partnerships with sports federations. Supports Les Défis Umanens.

Scale indicators5 records

Recent moves7 records

Expansion highlights4 records

Emerging players

• Alan: French digital-first health insurer focused on SMEs and individual professionals with a fully online subscription and management experience. Comparable to Umanens' digital-first positioning and SME/association target market, though Alan does not rely on CCN recommendations.

Direct peers

• MGEN: Major French mutualist health insurer and member of Groupe VYV, particularly strong in education and public-sector branches. Comparable to Umanens in serving complementary health contracts aligned to professional branches and collective agreements.
• Klesia: French mutualist group focused on collective health, prévoyance and retirement for enterprises and professional branches. Comparable to Umanens in serving CCN-based group health contracts and competing for branch recommendations.
• Harmonie Mutuelle (Groupe VYV): Major French mutualist health insurer and member of Groupe VYV, providing collective and individual complementary health coverage across many of the same professional branches (Animation, Sport, services) as Umanens. Directly comparable as a mutualist group-health competitor at national scale.
• Malakoff Humanis: Leading French paritarian/mutualist social protection group offering collective health and prévoyance contracts to enterprises and professional branches. Closely comparable to Umanens in collective CCN-based health insurance and Prévoyance, with a broader enterprise footprint.
• Aésio Mutuelle: French mutualist health insurer formed from the merger of several mutuals, offering individual and collective complementary health and prévoyance. Comparable to Umanens in mutualist DNA, multi-branch health offerings, and digital investment trajectory.

Broad incumbents

• AXA France: Largest private insurer in France offering collective health, prévoyance, and P&C for enterprises of all sizes. Comparable as a competitor for CCN-based and enterprise group health mandates, with materially deeper capital and product breadth than Umanens.
• Crédit Agricole Assurances: Banking-insurance arm of Crédit Agricole, distributing collective and individual health products via regional banks and partner networks. Comparable as a large incumbent competing for enterprise and professional-branch health mandates, with stronger capital and distribution than Umanens.
• SwissLife France: Major French life and health insurer offering collective health and prévoyance to enterprises via brokers and direct sales. Comparable to Umanens in collective health product offering but operating with a broader enterprise and individual footprint.
• AG2R LA MONDIALE: Major French social protection group and Umanens' strategic Prévoyance partner for Animation ÉCLAT and TSF branches. Comparable as a large incumbent offering collective health and prévoyance via CCN agreements, with much broader enterprise and individual portfolios.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Umanens
• LinkedInlinkedin.com/company/umanens
• Xx.com/umanens

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Umanens